Retail Financing

Finance for retail businesses up to £350,000
Retail Finance

What we offer

Unsecured Business Loans

A traditional Loan Facility with no rates starting as low as 1.3% APR.

Invoice Finance

Release funds tied up in your invoices within 24 hours.

Secured Business Loans

A Business Loan with security offered, typically a property or asset, with equity attached.

Asset Finance

Gain funding, or refinance, assets in your business, such as equipment, plant or vehicles.

What is Retail finance?

The Retail sector is constantly changing, and the purchasing and selling of goods is a volatile environment. We work with many Retail Finance Providers in the industry and this allows us to offer you alternative products to your bank. 

Trade Finance is common within retail, as it allows you to purchase stock on a credit facility, and pay back the amount loaned over time. This works similarly to a revolving credit facility.

With Revolving Credit, you are limited to a certain amount of funds that you can borrow and pay back overtime. These funds can be topped-up at any time, explaining why it is known as a revolving facility.

Invoice Finance for Retail is also common. Invoice Finance allows you to be paid out early upon a raised invoice. If you sell in bulk, whether that be often or occasional, we can tailor an invoice finance facility for you, releasing your funds on an invoice within 24 hours.

Eligibility

Turnover

Unless you are a new start-up company, the minimum turnover most lenders will deal with is £250,000.

Trading History

Similarly to Turnover, start-up companies can get funding, however a minimum of 6-12 months trading will give you access to a much more broad range of lenders on our panel.

UK Registered Businesses

Due to us dealing with UK Based Lenders, we can only find funding solutions for UK Registered Businesses.

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FAQs

How much will a Retail Invoice Finance facility cost?
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The cost of the facility will depend on a few factors. These are essentially decided by what you want from the facility, and how large your business is. Different lenders have different costs & fees that go with the arranging and running of your facility, but the main charges that go with running an Invoice Finance facility are the service fee, which is a percentage of the invoice value, and the discount fee, which is calculated from the amount of money advanced to you.

Am I eligible for a Retail Invoice Finance facility?
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 Eligibility varies largely from lender to lender, with some being more flexible, some more rigid with their criteria. The basic criteria for applying for an Invoice Finance facility is as follows:
£250k minimum turnover
UK Registered Business
If you don’t meet this criteria it isn’t the end of the road, other funding options are available, and this can be discussed with one of our consultants.

How long does it take to set up a Retail Invoice Finance facility?
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Invoice Finance facilities can be completed in as short as a few days, although the process can take longer. Our aim is always to make the process as quick, and simple as possible.

How much money can I get as a Business Loan?
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Business Loans can vary hugely in amount. With an Unsecured Business Loan, anything between £10,000 and £350,000 can be funded. With a Secured Business Loan, the range can be anything between £25,000 and £2,000,000.

Why JD Capital Finance?
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We are not your average broker. We strive to find you the perfect funding facility for your business, in the easiest way possible. We designate a member of our team of specialist finance consultants to you, walking you through the entire process until the funds are in your hands.

Fantastic

“  Perry & JD Capital Finance have been incredibly helpful from start to finish. They helped secure a CBILs package even when many lenders had stopped considering new applications. They've informed us of new developments every step of the way and have helped us through this uncertain time. Nice one, guys! ”

Reviews from our clients

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Disclaimer: JD Capital Finance helps UK firms access business finance, working directly with businesses and their trusted advisors. We are a credit broker and do not provide loans ourselves. All finance and quotes are subject to status and income. Applicants must be aged 18 and over and terms and conditions apply. Guarantees and Indemnities may be required. JD Capital Finance can introduce applicants to a number of providers based on the applicants' circumstances and creditworthiness. JD Capital Finance may receive a commission or finder’s fee for effecting such introductions.

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